Analyze the true cost of your subscriptions over time and see how much you could save by investing instead
| Year | Subscription Cost | Cumulative Cost | Investment Value | Opportunity Cost |
|---|---|---|---|---|
| Total | £0 | £0 | £0 |
Monthly subscriptions may seem affordable when viewed individually, but their cumulative cost over time can be substantial. This calculator helps you understand:
For a subscription with inflation:
Total Cost = Σ [Monthly Amount × (1 + Inflation Rate)n × 12]
Where n is the year number (starting from 0)
Instead of paying for a subscription, you could invest that money each month. The calculator shows:
For monthly investments with compound interest:
FV = PMT × [(1 + r)n - 1] / r
This calculator isn't suggesting you should cancel all your subscriptions. Rather, it helps you make more informed decisions about which subscriptions provide enough value to justify their long-term cost. Consider the enjoyment or utility you get from each subscription against its true financial impact.